Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q3 FY2020 Earnings Presentation
17 slides from Can Fin Homes's earnings presentation, Jan 20, 2020
Slide 1: Submission of Investor Presentation - Post Q3 FY20 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, Sir NI N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 CanFin Homes lid (Sponsor: CokNARA anon.) E-mail: investorselationship@ranfinhomeycorn Tel: 080 26564259 Fax :080 26565746 I=ITEEIM 9"rd...or hrie Realily Web: www canfinhomes corn CI
Slide 2: Can Fin Homes Ltd. at a Glance
Can Fin Homes Ltd. at a Glance 32 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning Information to Investors Q3FY20 ended December 2019
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision 32 year old To promote home Headquartered in Last Five Year To reach the institution registered ownership across Bangalore Growth /CAGR loan book size of as a deposit taking India, with a motto (Mar.14 ~ Mar.19) : Rs.40,000 Crore HFC with NHB of friendsh
Slide 4: Board of Directors
BOARD OF DIRECTORS Smt. Bharati Rao Sri Girish Kousgi Shri Debashish Mukherjee Shri Shreekant M Bhandinad Chairperson (Independent) Managing Director & CEO Director (Promoter) Dy. Managing Director Former Dy. Managing Director Executive Director Dy.General Manager State Bank of India Canara Bank Can
Slide 5: Performance Highlights - Q3 FY20
PERFORMANCE HIGHLIGHTS -Q3 FY20 Loan Book surpassed the Rs.20,000 crore mark with a clientele base of 1.55 lakh Y-o-Y Loan Book Growth of 15% PAT up by 41% in Q3 FY20 over Q3 FY19. NIM: 3.42%, RoAA*: 1.98%, RoE*: 19.74% and EPS: Rs.21.42 * Annualised Cost to Income Ratio : 15.55%. Gross NPA & Net NP
Slide 6: Performance Highlights - Q3 FY20
PERFORMANCE HIGHLIGHTS -Q3 FY20 Amount in Rs. Crore As per IND AS As per IND AS Sl. No. Particulars DEC’19 (3m) SEP’19 (3m) DEC’18 (3m) DEC’19 (9m) DEC’18 (9m) 1 New Approvals 1,617.31 1,424.00 1,483.10 4,330.00 4,214.00 2 Disbursements 1,476.65 1,334.00 1,318.09 4,087.00 3,925.00 3 Outstanding Loan
Slide 7: Performance Highlights - Q3 FY20
PERFORMANCE HIGHLIGHTS -Q3 FY20 Amount in Rs. Crore As per IND AS As per IND AS Sl. No. Particulars DEC’19 (3m) SEP’19 (3m) DEC’18 (3m) DEC’19 (9m) DEC’18 (9m) 13 Profit Before Tax & Provisions 150.12 137.17 120.89 418.84 353.90 14 Provision for SA & NPA 4.55 6.27 0.00 19.48 0.00 15 Profit Before Ta
Slide 8: Key Financial Ratios - Q3 FY20
KEY FINANCIAL RATIOS - Q3 FY20 Amount in Rs. Crore PERIOD ENDED Sl. No. Particulars DEC ’19 SEP’19 DEC’18 1 Return on Avg Assets (Annualised) 1.98% 1.88% 1.87% 2 Return on Avg Equity (Annualised) 19.74 19.10 19.19 3 Earning Per Share (Rs.) 21.42 13.41 17.32 4 Net Interest Margin (%) 3.42% 3.34% 3.31
Slide 9: Lending Basket
LENDING BASKET Category-wise Product-wise Distribution of Loan Book Amount in Rs. Crore Sl . Category/Product Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 11,624 12012 12441 12860 13255 ii) Top-up Personal Loans 388 4
Slide 10: Funding Basket
FUNDING BASKET Funding Mix @ DEC 2019 (as %) Funding Mix @ DEC 2018 (as %) Market Borrowings DEP DEP Market 26% 1% 2% Borrowings 38% BANKS 48% BANKS 57% NHB 15% NHB 13% Cost of borrowings contained at 7.88 % ( vs 7.90% in Mar 19 & 7.89% in Dec’18,) 8
Slide 11: Portfolio Details
PORTFOLIO DETAILS Portfolio Break-up Product category LAP Loan Site Loan 5% 90% 1% Other NHL 1% Topup Loan 4% HL 90% 10% HL NHL 9
Slide 12: Average Ticket Size and Profile of Customer
AVERAGE TICKET SIZE AND PROFILE OF CUSTOMER Average Ticket Size Customer Category 54% 71% 27% 16% 29% 3% 0 to 10 Lakh Salaried 10 Lakh - 25 SENP Lakh 25 Lakh - 50 Lakh > 50 Lakh 10
Slide 13: Liquidity Position
LIQUIDITY POSITION Amount in Rs. Crore Particulars For Q4FY20 For Q1FY21 For Q2FY21 ending Mar.20 ending Jun.20 ending Sep.20 Un-availed limits as on 31/12/2019 4,137.84 2,491.80 2,411.84 (Opening Balance) Add: Collections 1,650.00 1,600.00 1700.00 Less: Interest and principal 2,846.04 1,879.96 1,16
Slide 14: Branch Network
BRANCH NETWORK (195 Offices) Punjab Karnataka West Bengal Jalandhar Bengaluru (21 branches), Belgaum, Durgapur Davanagere, Hubli, Mysore, Mangalore, Chandigarh Mandya, Shimoga, Tumkur, Udupi, Hassan, Uttar Pradesh Doddaballapur, Ramanagaram, Attibele, Thanisandra, Whitefield, Dharwad, Bellari Luckno
Slide 15: Strategic Initiatives
STRATEGIC INITIATIVES Branch expansion focus on Tier II/III Growth Centres .. Pan India Network increased from 41 branches as at Mar’11 .. to 140 at Mar’16 .. to 195 now (181 Br/AHLCs + 14 SOs)of this Non- South network increased from 18 branches at Mar’11 .. to 40 at Mar’16 .. to 76 presently (76 B
Slide 16: Future Outlook
FUTURE OUTLOOK Branch Expansion Plan for 2019-20: 10 New Branches to be opened in growth centres Total Network (Branch/AHLC & SOs) to reach 200 by Mar’20 Focus on Affordable Housing with a proper mix of Non-Housing segments Salaried & Professional class would continue to be our niche segments Raisin
Slide 17: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini